We returned a manual Ateca in 2020 after having it for 12 months because my left knee went and I couldn’t use the clutch with 0 penalty’s. The only stipulation was that the next car had to be automatic obviously so we got an Ateca with DSG. Then in 2023 we got a Megane ev but our land owners refused (after 3 months of us being told we would get a positive outcome) permission to get a home charger installed, so we rang motability and again without a charge or any issue, they let us give back the megane EV and we have had our hybrid Honda ZR-V since January 24. The morning we actually picked up or ZR-V, we actually got confirmation that we could get a home charger installed!! So my point is, if you have a valid reason, they are usually very easy to deal with. Also at only £250, the early termination fee is very very low! Try getting out of a personal car agreement and it will cost thousands. Good luck.